How to Remove Old Addresses from Your Credit Report

You may have moved recently and are wondering how to remove old addresses from your credit report. Here are a few tips to help you get started.

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Go to www.annualcreditreport.com

The best way to remove old addresses from your credit report is to go to www.annualcreditreport.com. This website will allow you to request a free copy of your credit report from each of the three major credit bureaus. Once you have your reports, you can then dispute any inaccurate or outdated information with the credit bureau.

Request your report from all three credit bureaus

You are legally entitled to one free credit report from each of the three credit reporting bureaus—Experian, TransUnion, and Equifax—each year. To get your reports, go to AnnualCreditReport.com. The website is operated by the Fair Credit Reporting Act (FCRA), which is the federal law that regulates credit reporting.

If you find any incorrect information on your report, you can file a dispute with the credit bureau online or by mail.

Look for any old addresses that are still listed

Look for any old addresses that are still listed on your credit report. These can be from previous addresses you no longer live at, or even from relatives who once lived at your current address. If you see any old addresses still listed, you’ll need to dispute them with the credit bureau.

To do this, you’ll need to send a certified letter to the credit bureau. In the letter, explain that you no longer live at the address in question and ask that it be removed from your credit report. Include copies of any documentation that proves you no longer live there, such as a utility bill or lease agreement.

The credit bureau should investigate your claim and remove the old address from your credit report if they find it is outdated.

Contact the credit bureau to have the address removed

If you find an old address on your credit report that you no longer live at, you’ll need to contact the credit bureau to have the address removed. You can do this by calling the credit bureau or sending them a letter. Be sure to include your name, address, and Social Security number so they can identify you in their records.

In your letter, explain that you want the old address removed from your credit report. Include any facts that support your claim, such as when you moved or how long you’ve lived at your current address. If possible, attach documentation to your letter such as a copy of your lease or utility bill.

The credit bureau will investigate your claim and get back to you within 30 days. If they find that the old address should be removed from your credit report, they’ll make the necessary changes and send you a letter confirming the removal.

Repeat steps 2-4 for each credit bureau

If you find any old addresses on your credit report, you’ll need to follow a few steps to have them removed. Here’s what you’ll need to do:

1. Obtain a copy of your credit report from each of the three major credit bureaus (Experian, TransUnion, and Equifax). You’re entitled to one free report from each bureau every year, so take advantage of this by spacing out your requests.

2. Look for any old addresses that are listed on your report. If you see any, make a note of them.

3. Write a dispute letter to each credit bureau that lists an old address. In your letter, explain that the address is no longer valid and request that it be removed from your report. Include copies of any supporting documentation that you have (such as a change of address form from the post office).

4. Send your letters by certified mail and keep copies for your records. The credit bureaus have 30 days to investigate your dispute and remove any incorrect information from your report.

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